AMERICAN EXPRESS
TRAVEL INSURANCE

If I am diagnosed with COVID-19 during my overseas trip, does the policy cover overseas medical expenses?

Yes, if you are first diagnosed with an illness (including COVID-19) while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas.

If I become ill with COVID-19 before or during my Trip, does the policy cover costs I incur for the Cancellation or change of my Trip?

Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation or change as a result of an unforeseen illness (including COVID-19) provided that:

1. you first contract and are diagnosed with COVID-19 after the policy is issued;
2. a doctor confirms the illness in writing; and
3. the illness is not a pre-existing medical condition. It’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

If I no longer want to travel because I am worried about the spread of COVID-19, does the policy cover my trip cancellation or change costs ?

No, cancelling a trip because you are worried about the spread of COVID-19 is not covered.

If I need to cancel or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?

No, cancelling a trip due to COVID-19 government related travel advisories and/or border closures is not covered.

Do I need to be vaccinated against COVID-19 to be eligible for the COVID-19 cover under this policy?

No, you do not need to have the COVID-19 vaccination to be eligible for cover under this policy. However, you will not be covered for any claim for cancellation or trip change where you do not meet the vaccination protocols required by your transport provider or by any government authority (in Australia or at the destination) prior to departure.

Are Pre-Existing Medical Conditions covered?

This policy does not cover any pre-existing medical conditions. Before you purchase a policy, you should consider the definition of ‘Pre-Existing Medical Condition’ in the Single Trip PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

What is a "Pre-Existing Medical Condition"?

A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disease that you previously required or continue to require treatment for, or that is under investigation at the time any part of your trip is booked or the Issue Date of the policy, whichever is the later. You should check the definition of ‘Pre-Existing Medical Condition’ in the Single Trip PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

If I need medical treatment during my overseas trip, will my medical expenses incurred overseas be covered?

Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the American Express Travel Insurance Single Trip Product Disclosure Statement (PDS), which excludes claims arising from pre-existing medical conditions and participation in certain sports.

Is cover provided for trip cancellation or change due to a natural disaster at my intended travel destination?

Yes, provided there had been no official publication (prior to the purchase of the policy) warning that the natural disaster had occurred or was likely to occur. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).

I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?

No, failure to hold or obtain all required documentation for your trip is not covered.

If I need to cancel my trip due to an unforeseen illness or injury before my departure, am I covered?

Yes, cover is provided for trip cancellation which is necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. The illness or injury must first be contracted or occur after the policy is issued. Pre-existing medical conditions are not covered, so it’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

Are items that I borrow or hire for the trip covered?

No. We only cover items that you own. Any items loaned, hired or entrusted to you are not covered.

What happens if my luggage is delayed by the airline when I’m on my trip?

The policy covers expenses incurred for essential emergency clothing and toiletries (as required for a 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.

Who is eligible for cover under the policy?

All people covered under the policy must be Australian residents and 79 years of age or younger. You must purchase your policy before your trip commences, and the trip must start and end in Australia.

When can I purchase my American Express Travel Insurance Single Trip policy?

You can purchase the policy up to 12 months before your trip commences.

Will my policy be valid if I start or end my trip outside of Australia?

No. Your trip must begin and end in Australia for your policy to be valid.

Is there a maximum age on the policy?

Yes. Covered persons must be 79 years of age or younger on the date your policy is issued.

Do I need to undergo a medical examination to apply for the policy?

No. However, please note that pre-existing medical conditions are not covered, so it’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

Will I be covered if I purchased the policy after the commencement of my trip?

No. Cover is only applicable if your travel insurance is purchased before you start your trip.

Is there a maximum travel period on the policy?

Yes. The maximum trip duration is 180 consecutive days.

Is pregnancy covered under the policy?

The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:

1. Overseas medical expenses cover - If you have a pregnancy related Medical Emergency which occurs before the end of the 23rd week of your pregnancy
2. Trip cancellation and amendment cover - If you have an injury or unforeseen illness arising from or relating to your pregnancy that a doctor confirms will prevent you from commencing or continuing the trip.

There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy).

If my flight is delayed, does the policy cover this?

Yes. The policy covers additional accommodation expenses incurred (up to the benefit amount under ‘Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ’Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.

Is there a cooling off period?

Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:

1. you haven’t started your trip; or
2. you haven’t made a claim; or
3. you don’t want to make a claim or exercise any other right under the policy.

What is Chubb Assistance? How does it work?

Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip. In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area.

Further Questions?

Please contact Chubb on 1800 139 149 or email us on amextravel.au@chubb.com for any questions you may have.

If I need to cancel my trip due to an unforeseen illness or injury before my departure, does the policy include cancellation cover?

Yes, the policy includes cover for trip cancellations that are necessary and unavoidable as a result of an unforeseen illness or injury as confirmed by a doctor in writing. There is no cover for illness or injury that you suffer before you book your trip or the policy is issued, whichever is the later. Pre-existing medical conditions are not covered, so it’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

I am unable to obtain my passport, entry visa or other required documentation in time and need to cancel my trip. Is this covered?

No, failure to hold or obtain all required documentation for your trip is not covered.

Is cover provided for trip cancellation or change due to natural disasters at my intended travel destination?

Yes, natural disasters are covered provided there was no prior warning that a disaster had occurred or might occur before you booked your trip or the policy is issued, whichever is the later. Please note that natural disasters do not include epidemics or pandemics (which are excluded under the policy).

If I need medical treatment during my overseas trip, will my medical expenses incurred overseas be covered?

Yes, if you suffer an unforeseen illness or injury on an overseas trip which requires immediate medical treatment, cover is provided for your medical expenses incurred overseas. It’s important to always check the PDS, which excludes claims arising from participation in certain sports and activities. Pre-existing medical conditions are not covered, so it’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

Do I need to undergo a medical examination to apply for the policy?

No. However, please note that pre-existing medical conditions are not covered, so it’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

Are Pre-Existing Medical Conditions covered?

This policy does not cover any pre-existing medical conditions. Before you purchase a policy, you should check the definition of ‘Pre-Existing Medical Condition’ and details about when a medical condition or symptoms will be considered ‘pre-existing’. Please refer to the PDS for details.

What is a "Pre-Existing Medical Condition"?

A Pre-Existing Medical Condition generally means any medical or dental condition, illness, injury or disability that you previously required or continue to require treatment for, or that is under investigation at the time any part of your trip is booked or the Issue Date, whichever is the later. You should check the definition of ‘Pre-Existing Medical Condition’ in the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’

What if I develop a medical condition during the policy period. Will I be covered for that condition for the remainder of the policy period?

If you develop a medical condition during your current Period of Insurance, the condition will not be considered as a Pre-Existing Medical Condition for any trips you have already booked. However, this condition will be considered a Pre-Existing Medical Condition for any future trips you book thereafter.

You should also check the definition of ‘Pre-Existing Medical Condition’ in the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’

Will I be covered under any policy renewal for that medical condition?

No. If your policy is renewed, a medical condition you developed during the previous policy period will be considered a Pre-Existing Medical Condition for the purposes of the policy.

Are items that I borrow or hire for the trip covered?

No. We only cover items that you own. Any items loaned, hired or entrusted to you are not covered.

What happens if my luggage is delayed by the airline when I’m on my trip?

The policy covers essential emergency clothing and toiletry expenses incurred (provided they are reasonably required for use within the first 24-hour period, up to the benefit amount under ‘Delay of Personal Baggage’ applicable to your chosen plan) if your luggage is delayed for 12 hours or more. If your luggage is delayed for more than 36 hours, the limit is increased up to the benefit amount under ‘Extended Delay of Personal Baggage’ applicable to your chosen plan.

If I am diagnosed with COVID-19 during my overseas trip, does the policy cover overseas medical expenses?

Yes, if you are first diagnosed with COVID-19 (or any other illness) while on your overseas trip and require immediate medical treatment, cover is provided for the cost of medical treatment incurred overseas. However, pre-existing medical conditions are not covered, so it’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

If I become ill with COVID-19 before or during my Trip, does the policy cover costs I incur for the Cancellation of my Trip?

Yes, cover is provided for costs arising from a necessary and unavoidable trip cancellation as a result of an unforeseen illness (including COVID-19) provided that:

1. you first contract and are diagnosed with that illness (including COVID-19) after the policy is issued or when you first booked your trip, whichever is the later;
2. a doctor confirms the illness in writing; and
3. the illness is not a pre-existing medical condition. It’s important to check the PDS for details about when a medical condition or symptoms will be considered ‘pre-existing’.

If I no longer want to travel because I am worried about the spread of COVID-19, does the policy cover my trip cancellation or change costs ?

No, cancelling a trip because you are worried about the spread of COVID-19 is not covered.

If I need to cancel or change my trip due to a COVID-19 border closure as announced by any departure or destination government, am I covered?

No, cancelling a trip due to COVID-19 government related travel advisories and/or border closures is not covered.

Do I need to be vaccinated against COVID-19 to be eligible for the COVID-19 cover under this policy?

No, you do not need to have the COVID-19 vaccination to be eligible for cover under this policy. However, you will not be covered for any claim for cancellation or trip change where you do not meet the vaccination protocols required by your transport provider or by any government authority (in Australia or at the destination) prior to departure.

Who is eligible for cover under the policy?

All people covered under the policy must be Australian residents and 69 years of age or younger on the issue date of the policy. You must purchase your policy before your first trip commences, and all trips must start and end in Australia.

When can I purchase my American Express Travel Insurance Annual Multi-Trip policy?

You can purchase the policy up to 90 days before your trip commences.

When does my cover start?

Cancellation and trip change cover begins from the date you book your trip or the policy issue date (the date you purchase your policy as shown on your Certificate of Insurance), whichever is the later. All other covers begin when you start your trip.
For example - you purchased your policy on 7 February 2026 (issue date). You had already booked a trip departing on 3 March 2026. You have selected your start date as 3 March 2026 (start date).
Cancellation and trip change cover starts from the issue date of your policy (7 Feb 2026), whilst all other covers start when you start your trip (3 March 2026).

When will my policy end?

Your policy will end 12 months after the start date (selected by you).

Will my policy automatically renew at the end of the policy period?

No, we will send you a renewal notice before your policy end date. You will need to pay the renewal premium to renew the policy (either by calling us or by making an online payment). We will advise you of ways to pay for your renewal before your policy ends.

Will my premium change when I renew the policy?

Your annual policy premium is calculated using a number of factors, including your age. So it’s possible that your renewal premium will change/differ at that time.

Am I covered for any countries I want to visit?

During the application process, you will have the option to select from the following geographical regions based on the country(ies) you plan to travel to:

• Worldwide
• Worldwide excluding USA & Canada
• Asia Pacific, comprising the following: American Samoa, Australia, Bangladesh, Brunei, Cambodia, China, Cook Islands, East Timor, Fiji, French Polynesia, Guam, Hong Kong, India, Indonesia, Japan, Kiribati, Laos, Macau, Malaysia, Maldives, Marshall Islands, Micronesia, Mongolia, New Caledonia, New Zealand, Niue, Northern Mariana Island, Pakistan, Palau, Papua New Guinea, Philippines, Samoa, Singapore, Solomon Islands, South Korea, Sri Lanka, Taiwan, Thailand, Tonga, Tuvalu, Vanuatu, Vietnam

Regardless of which geographical region you select, this Policy does not cover losses, pay or reimburse any costs arising from countries that are subject to sanctions or from you starting a Trip against the ‘Do Not Travel’ travel advisory warning issued by DFAT. Please refer to General Exclusions Applicable to All Sections and Sanctions in the PDS.

Can I change my policy’s geographical region during the policy period?

You can change the geographical region of your policy by calling us before you commence a trip to that new geographical region. However, we cannot make any changes while you are on a trip. There may be an additional premium payable if you expand your geographical region.

Do I need to purchase Optional Add-On Cover (Cruise or Snow Sports cover) if I’m only planning to do this activity on 1 of my trips?

Yes, if you need either of these on any 1 trip, you should add it before you start your trip.

Can I add Optional Add-On Cover after the start of my policy?

If you’re unsure of needing cover for an optional add-on cover, you can purchase it during the policy period as long as it’s before the start of the trip that requires it. Any amendments/additions to your policy will only take effect for any future trips that have not yet commenced during the policy period.

Can I change my policy during the policy period?

Yes. However, any amendments to your policy will only take effect for any future trips that have not yet commenced during the policy period. Additional premium may be required for some types of amendments such as adding an optional add-on cover, upgrading plan type, etc.

Will my policy be valid if I start or end a trip outside of Australia?

No. Each trip must begin and end in Australia to be eligible for cover under your policy.

Is there a maximum age on the policy?

Yes. Covered persons must be 69 years of age or younger at the date your policy is issued.

Is there a maximum travel period on the policy?

Yes. The maximum trip duration per trip is 45 consecutive days.

Will I be covered if I purchased the policy after the commencement of my trip?

No. Cover is only applicable if your travel insurance is purchased before you start your first trip.

Is there a cooling off period?

Yes. You may cancel your policy for any reason within 14 days of issue (cooling-off period). You will receive a full refund of the premium you paid, provided:

1. you haven’t started your trip; or
2. you haven’t made a claim; or
3. you don’t want to make a claim or exercise any other right under the policy.

Is pregnancy covered under the policy?

The policy provides limited pregnancy cover. Pregnancy related claims are covered under the following sections of the policy:

1. Overseas medical expenses cover - If you have a sudden and unexpected pregnancy related Medical Emergency which occurs before the end of the 23rd week of your pregnancy.
2. Trip cancellation and amendment cover - If you have an injury or unforeseen illness arising from your pregnancy which occurs before the end of the 23rd week of your pregnancy and a doctor confirms it will prevent you from commencing or continuing the trip.

There is no cover for costs associated with childbirth or the health of a newborn child, or for claims arising from any pre-existing medical condition (including any medical condition related to a previous pregnancy or if you have experienced pregnancy complications prior to purchasing the policy or before a trip).

If my flight is delayed, am I covered?

Yes. We will reimburse additional accommodation expenses (room only) (up to the benefit amount under ‘Delayed, cancelled, overbooked or missing onward flight’ applicable to your chosen plan) if your flight is delayed for 6 hours or more. If your flight is delayed for more than 30 hours, the limit is increased up to the benefit amount under ‘Extended Delayed, cancelled, overbooked or missed onward flight’ applicable to your chosen plan.

Do I need to notify Chubb of each trip during my Annual Multi-Trip policy?

No. You are automatically covered for each trip during the policy period as long as each trip is no longer than 45 days and is within the geographical region you have selected. If any trip is longer than 45 days, you will only have cover for the first 45 days.

Am I covered for travel within Australia?

Yes. All Annual Multi-Trip policies cover you for domestic travel in Australia. However, there are some differences in domestic cover, for instance, there is no medical cover on domestic trips, and some benefit limits differ. Please refer to the PDS for full details

If there is more than 1 person on the policy, do they have to be travelling together?

Adults can travel separately under the policy, however any children on the policy must be travelling with at least one of the adults on the policy.

Do I have to pay the total premium for my Annual Multi-Trip policy upfront?

Yes. You need to make the total premium payment before your policy is issued.

If I only travel once during the policy period, can I get a partial refund?

We will give you a full refund if you cancel the policy within the 14-day cooling-off period and have not started your trip, do not want to exercise any right under the policy or make a claim.

If you request to cancel your policy outside the 14-day cooling-off period, We may:

1. refund any unused proportion of your premium (from the date the refund request was received until the End Date on your Certificate of Insurance); and
2. subtract any administration fees;

provided that you have not made or submitted a claim and/or intend to make a claim or exercise any other right under your Policy.

How do I renew my Annual Multi-Trip policy?

We will provide you with a renewal reminder notice before the policy end date. Your policy will be renewed when you pay the renewal premium.

What’s the difference between Single Trip and Annual Multi-Trip policies

The Annual Multi Trip policy covers you for an unlimited number of trips to the geographical region you have selected in a 12 month period. Each trip cannot be more than 45 days long.

A Single Trip policy covers you for only 1 specific trip and only to the destinations you have told us you are travelling to.

What is Chubb Assistance? How does it work?

Chubb Assistance is an emergency assistance service. Support is available for emergency advice and assistance services 24 hours a day, 7 days a week for medical or other emergencies while on your overseas trip.
In the event of a medical or similar emergency, simply call our emergency response team on +61 2 8907 5666 to get immediate assistance and help accessing vital services in your local area.

More Questions?

Please contact Chubb on 1800 139 149 or email us on amextravel.au@chubb.com for any questions you may have.